428 Carlton Street, St. Catharines

Price: $398,000

5 bedrooms, 2 bathrooms

700 - 1,099 sqft

Property Type: Detached

MLS#: X13458698

Welcome to 428 Carlton Street, a charming, 3-bedroom, 2-bathroom bungalow in the heart of St. Catharines' desirable Facer neighbourhood. This solid home offers comfortable, move-in ready living with vinyl siding, an nice front porch, and a private patio area perfect for relaxing outdoors. Inside, you'll find a bright living room, a separate dining room, and a functional kitchen with ample storage. The main floor features three cozy bedrooms and a full 4-piece bathroom. The semi finished basement boasts a separate entrance with excellent in-law suite potential, complete with additional living space and a convenient 2-piece bathroom to be finished, ideal for extended family, guests, or extra income. Step outside to enjoy a detached garage plus driveway parking for up to four vehicles, a delightful 3-season sunroom, and a garden shed, perfect for hobby gardeners and outdoor enthusiasts alike. Ideally located directly across from the Kiwanis Club and Lester B. Pearson Park, this home offers easy access to green space, community amenities, schools, shopping, and major roadways. Don't miss this fantastic opportunity to own an affordable, versatile home in north St Catharines. Book your private showing today!

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$398,000 - 428 Carlton Street, St. Catharines

Detached for Sale in St. Catharines

Neighbourhood: 445 - Facer

5Beds
2Baths
700 - 1,099Sq Ft
Detached
Property Details
MLS Number
X13458698
Property Type
Detached
Status
active
Days on Site
17
Bedrooms
5
Bathrooms
2
Square Feet
700 - 1,099 sqft
Neighbourhood
St. Catharines
Listing Brokerage
EXP REALTY
Description

Welcome to 428 Carlton Street, a charming, 3-bedroom, 2-bathroom bungalow in the heart of St. Catharines' desirable Facer neighbourhood. This solid home offers comfortable, move-in ready living with vinyl siding, an nice front porch, and a private patio area perfect for relaxing outdoors. Inside, you'll find a bright living room, a separate dining room, and a functional kitchen with ample storage. The main floor features three cozy bedrooms and a full 4-piece bathroom. The semi finished basement boasts a separate entrance with excellent in-law suite potential, complete with additional living space and a convenient 2-piece bathroom to be finished, ideal for extended family, guests, or extra income. Step outside to enjoy a detached garage plus driveway parking for up to four vehicles, a delightful 3-season sunroom, and a garden shed, perfect for hobby gardeners and outdoor enthusiasts alike. Ideally located directly across from the Kiwanis Club and Lester B. Pearson Park, this home offers easy access to green space, community amenities, schools, shopping, and major roadways. Don't miss this fantastic opportunity to own an affordable, versatile home in north St Catharines. Book your private showing today!

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,041.95/mo

Includes CMHC insurance ($11,104)

$
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5%10%50%

5-yr fixed avg.

Principal: $358,200Interest: $243,280
Mortgage Amount$369,304
Total Interest$243,280
Est. Property Tax$282/mo
Total Cost$612,584

Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.

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Neighbourhood Guide: 445 - Facer

Discover 445 - Facer

445 - Facer is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.

Why Live in 445 - Facer

  • Convenient location in St. Catharines
  • Access to local shops and dining
  • Good public transit connections
  • Community parks and green spaces
  • Well-maintained neighbourhoods

Nearby Schools

Local Elementary SchoolPublic Elementary
Local Secondary SchoolPublic High School

Transit & Commuting

  • MiWay bus routes throughout the area
  • GO Transit stations within driving distance
  • Easy highway access to 401/403/QEW
  • Walking distance to local amenities

Parks & Amenities

  • Local parks and recreational facilities
  • Community centres
  • Shopping plazas nearby
  • Restaurants and cafes

Lifestyle & Community

445 - Facer offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.

70
Walk Score
Varies
Price Range

428 Carlton Street, St. Catharines

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Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent
$3,600/mo
Range: $3,060 - $4,140
Cap Rate (ROI)
9.8%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$3,600
Maintenance Fees-$0
Property Tax (est.)-$282
Insurance (est.)-$83
Net Cash Flow+$3,235

Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.

Joe Battaglia - Top Real Estate Agent in Mississauga, REMAX Realty Specialists

Joe's Thoughts

Honest perspective from 30+ years of GTA real estate experience

Competitive Pricing

At $569/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.

Market Position

At 17 days on site, this property has had reasonable exposure. It hasn't sold immediately (which often indicates overpricing), but isn't languishing either. There's likely room for a 3-5% negotiation from asking price.

Detached Home Advantages

Detached homes in St. Catharines are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.

Efficient Living

At 700 sqft, this is a more compact space. The upside: lower utility bills, less maintenance, and easier cleaning. Consider how you'll use the space - built-in storage, multi-functional furniture, and good organization become important. Great for singles, couples, or those who prefer a low-maintenance lifestyle.

Excellent Flexibility

With 5 bedrooms, you have genuine flexibility. Beyond the master and kids' rooms, you can have a dedicated home office, guest room, hobby space, or even rental income potential. In today's work-from-home era, extra bedrooms add significant value. Properties with 5+ bedrooms are relatively rare in St. Catharines.

About 445 - Facer

I know 445 - Facer well from working with many buyers and sellers here. Each pocket has its own character - let me share what I've learned about this specific street and block. During our showing, I'll point out local amenities, school catchments, and what similar homes have sold for recently.

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    428 Carlton Street, St. Catharines | $398,000 | Battaglia Team